12-24-95. NYPaper: "Money Laundering, New and Improved. To really hide loot, wait for the arrival of 'cybercash.' " The days when you could trust a Swiss banker to hold on to your millions and keep his mouth shut are long gone. Embarrassing disclosure incidents are forcing any money launderer worth his pocket change to go high-tech, using the wonder of home-banking computer programs to zip money across borders. What American authorities fear the most, however, is the rise of "cybercash." "The nightmare of it is that there is no registration of every transaction, the way there is if you use a Visa or Mastercard," said Stanley E. Morris, who heads the financial crimes enforcement network. TAX_zip (7k)